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Award Winning Top Producers
Debby & Jeff are
America's NUMBER1EXPERTS
and Have the Qualities and
Experience You are Looking for
in your Professional Successful
Realtors!
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Debby & Jeff are lifetime residents of Northern New Jersey. We are respected as community leaders and recognized for integrity and diligence. Success and a proven track record in Real Estate are demonstrated by our long list of very happy clients. Currently ranked Tenth in the state of New Jersey and Top 1% of all agents nationally. Depend on Jeff & Debby to make things happen. We are dedicated to local schools and charity organizations. Believing in giving back to the community, Debby has been PTO co-president and Jeff is active with the Chamber of Commerce, as well as many other community groups. We are active members in the West Bergen Board of Realtors, Volunteer Connection, Office Liaisons, Technology Committee, Million Dollar Club auditors, Crohns & Colitis Foundation County Group Leader and Public Outreach groups. Count on Jeff & Debby to exceed your expectations. By listening to people's individual needs, using innovative marketing skills and paying attention to detail, we are able to help you make good decisions in order to help you reach your goal. When it comes time for you or a friend to make a move, trust the "home team" to win for you!
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What unique contribution did the town of Flushing, New York make to the American home?
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| A |
The flush toilet was invented in Flushing. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
